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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $364,239 | $124,980+191.4% | $108,359+236.1% | $154,746+135.4% |
| Participation rate | 77.8% | 75.2%+2.6pp | 70.1%+7.7pp | 80.7%-2.9pp |
| Annual return | 15.54% | 45.00%-29.5pp | 36.89%-21.4pp | 172.34%-156.8pp |
| Employer contribution / active EE | $10,810 | $2,851+279.2% | $2,399+350.5% | $4,379+146.9% |
| Participant deferral / active EE | $4,812 | $4,743+1.5% | $4,137+16.3% | $6,730-28.5% |
| Admin fee / account holder | $429 | $11,502-96.3% | $9,741-95.6% | $14,365-97.0% |